A USD Mastercard from a crypto exchange, with thin information about the issuer and a thin set of features

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

DiCard is a USD-denominated Mastercard issued through DigiFinex, a cryptocurrency exchange. The card draws on a USD balance loaded from USDT held in the exchange’s spot account, and it works in two tiers, Lite and Premier. The pitch is simple: spend USDT anywhere Mastercard is taken, without manually converting to fiat first. The reality, when you start reading the support pages, is thinner. The card issuer and its licence are not named, the supported top-up networks are not listed, and several everyday details (a physical card, Google Pay, ATM use) are simply not stated on the pages I could read. The exchange behind it, DigiFinex, has a Trustpilot score of 2.1 out of 5 across 121 reviews, with multiple users reporting funds stuck or withdrawals delayed, including one reported case of a card that stopped working in December 2024. If you are choosing a card precisely because an ordinary bank card is hard to get where you live, that combination matters more than the headline fee numbers.

Conditions are current as of October 28, 2026.

Verdict: 4.7 out of 10

DiCard is built for a narrow use case. It is for a person who already has a DigiFinex account, already holds USDT there, and wants a USD-denominated Mastercard number to spend that balance online or in stores. For that person, in a country not on the exchange’s restricted list, the card works and the fee math is reasonable. For anyone else, the same product raises more questions than it answers: who is actually issuing it, what licence they hold, what networks you can top it up from, whether a physical card exists, whether Google Pay is supported, whether ATMs work. The 4.7 reflects a card that does the basic job but is held back by missing information, exchange-side risk, and a complaint profile that any reader should look at before applying.

Score table

The audience this fits best is a DigiFinex user spending USDT from a USD virtual card, who already accepts that they are trusting an exchange rather than a regulated card issuer. Outside that case, the same card asks you to take on risk without giving you much in return.

Who will give you the card

The DiCard official support documentation does not list which countries or citizenships are accepted or refused. The application starts from the official DigiFinex card page and needs a DigiFinex account, but support articles do not name the documents, proof of address, age threshold or any step-by-step checks. If you need to know up front whether you are eligible in your country, that absence is the first thing you have to live with.

Unofficial information, drawn from older DigiFinex pages about credit-card top-up for crypto rather than about DiCard itself, points the other way. Those pages exclude United States and Singapore citizens, and the exchange’s general terms list the United States, Singapore, Canada and China as restricted areas. Treat that as unofficial and not confirmed by DiCard. The point is not the exact list. The point is that the card’s own pages do not give you a list to check against, so anyone applying has to do that work themselves or open a support ticket.

A practical consequence: the country rules are not a published “yes/no” for you as a reader. They are something you only find out by trying, and the consequences of getting that wrong (account closure, frozen balance) sit on you, not on the exchange.

How to get it

You start at the card page, sign in to a DigiFinex account, and apply from there. The card page confirms that the card is a USD-based Mastercard. The announcement copy also calls it a credit card, but the way it actually works (a pre-loaded USD balance funded from USDT in your spot account) is closer to a prepaid debit model, and the limit table published in support looks like a prepaid limit table, not a credit line. I would treat it as a prepaid card in practice until the issuer says otherwise.

A virtual card is issued instantly. A physical card is not mentioned in official documentation, so do not assume one will arrive. Delivery time for a physical card is therefore not stated. KYC levels (basic versus enhanced verification) are not stated either, so it is not clear whether the exchange account verification you already have is enough or whether the card application triggers a separate tier of checks.

What this section tells you in plain terms: the path is short if you are already inside DigiFinex (apply, get a virtual card number) and opaque if you are not, because nothing tells you in advance what you will be asked to prove or how long it will take.

Fees: what it really costs

The headline numbers are not bad. The detailed numbers depend on which tier you pick and which currency you spend in, and the support pages are the only place those numbers are spelled out. There is also a conflict in the underlying material: the card support article and the wider DigiFinex card page do not always agree; the support article numbers below are treated as the source of record, with notes where the wider page disagrees.

Costs table

A unofficial figure from the wider DigiFinex card page lists a 1 USDT application fee rather than $5, and a 2% currency conversion fee on the USD-based card rather than 1.5%. Those numbers come from an undated capture of a different page, and they conflict with the DiCard support article. I am treating the support article as the source of record, but you should expect the same kind of drift if you actually try the card.

What three everyday payments look like

A coffee in a US shop, paid in USD, with a USD-denominated card. No currency conversion happens, so the 1.5% FX fee does not apply. You pay the fixed transaction fee of $0.25 (Lite) or $0.50 (Premier) on top of the price of the coffee, plus the 1.3% top-up fee that was already charged when you loaded the card. The cost is small and predictable.

A subscription in euros, paid from the same USD card. Your card is billed in USD, the merchant’s bank converts EUR to USD at its own rate and posts a USD amount, and DiCard adds its 1.5% FX fee on top. You also pay the per-transaction fixed fee. This is where the card’s pricing stops looking like a freebie and starts looking like a foreign-transaction card.

A top-up of 1,000 USDT onto the card. At the standard 1.3% top-up rate that is $13 in fees. On your first five top-ups that drops to 0.3%, so $3 instead of $13. From the sixth top-up on, every load costs $13 per $1,000. Network fees on the underlying USDT transfer are not described, so it is not clear who pays them or whether they are absorbed; that is a question for support before you load a large amount.

The two things to remember are: USD spending is cheap, non-USD spending is not, and the fixed per-transaction fee means the card is the wrong tool for many tiny payments.

Top up: how to load the card

The card runs on USDT, and official documentation states the USDT must come from your DigiFinex spot account. The card cannot be topped up from an external wallet directly; you would move USDT into the spot account first, then load the card from there. The minimum per top-up is 15 USDT and the maximum is 5,000 USDT, and those limits are the same on Lite and Premier.

The fees are 1.3% per top-up, dropping to 0.3% on your first five deposits. After that you are paying the full 1.3% on every load. The fee is on the card side, not on the underlying transfer; the network fee for the USDT transfer that puts funds into your spot account is a separate question, and the support pages do not say who pays it. If you are moving USDT from another wallet, the network fee comes out of your transfer before it arrives, and that is independent of DiCard’s top-up fee.

What the support pages do not say is which networks the top-up supports. USDT exists on Ethereum, Tron, Solana, Polygon, Avalanche and others, and a transfer sent on a network DiCard does not support, or to an address of a different network, can be lost. Before you load the card with anything other than USDT already sitting in your spot account, ask support which networks are accepted and which address to send to.

Premier adds a small extra: you can withdraw the card balance back to the spot account, with a minimum of 1 USD and a maximum of 5,000 USD per day. The support article does not state a fee for that withdrawal, though the wider DigiFinex card page lists an unofficial $0.50. Lite does not have this option; once the money is on the card, it stays there unless you spend it. Balance-on-closure handling is not stated.

Paying with it every day

A virtual Mastercard number is issued at once, so you can start spending online or in Apple Pay or Alipay within minutes of being approved. The support article confirms Apple Pay and Alipay; Google Pay is not stated. The “How to Add Your DiCard to Apple Pay” article is the one piece of the support material that has been actively maintained, with an update dated 19 August 2026, so the Apple Pay flow at least has documentation behind it.

Where the card will and will not work is a longer story. The Lite restricted-category list names crypto exchanges, gambling, gaming, lending and payment platforms, gift-card sellers, charities, adult and dating sites, and takeaway and delivery services. It also flags Apple.com, YouTube, Telegram Premium and TikTok as high-failure merchants, which is unusual to see in print and worth reading before you assume a subscription will go through. Premier’s restricted list is organised by merchant category code and is tighter: weapons, drugs, tobacco, pawn and jewellery shops, direct marketing, financial institutions and cash or money transfer, securities brokers, escort and dating services, gambling, unions and political or religious organisations, and bail. If your everyday spending sits in any of those categories, the card is not built for it.

Cashback and points are described but not yet live. The August 2025 announcement says deposit and spending cashback are “coming soon”, and the points programme exists with a fixed rate of 100 points to 1 USDT, redeemable against card top-ups, with the points article noting that spending cashback is not yet covered. Until the spending side of that goes live, there is no rewards case for picking DiCard over a similar prepaid card.

The mobile experience is the exchange app, not a card-specific app. The DigiFinex iOS app has a 3.2 out of 5 rating across 59 ratings, which is not a strong signal on its own, and the Google Play listing was not read for this review. Disputes, chargebacks and how to escalate a problem are not stated in the support pages, and a restricted-category note in the Lite list warns that some merchant types carry cancellation or refund risk, which is a hint that you should not assume an easy refund path.

What can go wrong

The largest risks are not card fees. They are the things the support pages do not say, and the things third-party reviewers of DigiFinex say about the exchange.

The card issuer and its licences are not named on the DiCard pages. The exchange behind the card is DigiFinex, registered as DIGIFINEX PTE. LTD. in the App Store, but the entity that actually issues the Mastercard number, the BIN sponsor, and the regulatory regime they operate under are not stated in the support articles. A card is a regulated product; the regulated party should be visible, and here it is not. If something goes wrong with the card programme itself, you are dealing with a chain that ends at a named bank or e-money institution in normal setups, and here you cannot see that end of the chain.

The complaint profile is the other thing to look at. DigiFinex on Trustpilot, as of 21 October 2026, sits at 2.1 out of 5 across 121 reviews, which is a low score by the standards of large exchanges. The themes are familiar from the wider industry: withdrawals stuck for weeks or months in compliance review, support replies that arrive late or are generic, and a card that stopped working with funds on it in December 2024. In that case, the exchange’s own reply cited supplier issues and said the funds were returned to the users’ spot accounts, but the user reports are still on the public page. The exchange app supports many languages, including English, Arabic, Indonesian, Japanese, Korean, Portuguese, Russian, Serbian, Simplified and Traditional Chinese, Spanish, Thai, Turkish, and Vietnamese, so language is unlikely to be the reason for slow support.

Security controls on the card itself are a mix of stated and unstated. Three consecutive low-value transactions lock the card, and high-risk transactions can lead to a freeze or permanent deactivation. Two-factor authentication on the exchange account and an in-app freeze of the card are not stated in the support pages. The custody model is the exchange’s own: your card balance is a USD balance inside a DigiFinex product, sitting next to a spot account that holds your USDT, and a card number on top. The exchange holds the keys. That is a custodial setup, with the counterparty and hack risk that brings.

A separate set of risks is industry-wide rather than DiCard-specific, but worth naming because the DiCard support pages do not address them. Card programmes can be suspended by the network: Visa terminated its global agreement with FTX in November 2022, and WaveCrest, a Visa issuer that supplied crypto card brands, was suspended in 2018. If a programme is wound down, the typical pattern is a notice period, a stop on new loads, a stop on spending, and a request to withdraw remaining balances. A 2026 closure reported by a secondary source describes that exact pattern (new loads ended 8 July 2026, spending stopped 8 August 2026), though that report is a single source and unconfirmed. For a card that is already thin on details, the right preparation is the same as for any custodial crypto card: do not keep more on the card than you can afford to wait for, and have a plan to move it back out.

Finally, an everyday-risk note. Declined authorisations can leave a hold on funds for several days, typically up to about a week. For a prepaid card that hold eats into your available balance, and the support pages do not say how DiCard handles that case.

What to take instead

If the reason you are looking at DiCard is that you want to spend crypto from a card, three alternatives come up most often, and the comparison comes down to issuer transparency, fees, and the part of the world you live in.

Alternatives table

Coinbase Card is the strongest of the three on transparency: the issuer side, the KYC regime, the fee structure and the country list are all stated on the public pages, and you are spending from a US-regulated venue. The catch is geography, because Coinbase Card is available only in the United States. OKX is the strongest of the three on regulatory positioning: a MiCAR-licensed entity in the EEA, a euro card, and a published EEA user rule. Young Card sits in the middle on score but has the thinnest set of stated facts, so the comparison to draw from it is the cashback structure, not the issuer or fee model.

For the specific case of a USDT-heavy user who is already on DigiFinex, the honest comparison is not between DiCard and any of these three. It is between DiCard and the alternative of withdrawing USDT to a bank or to a more established card. If the friction of doing that is the reason you are reading this, then the case for DiCard is the case for keeping the friction in one product. If the friction is something you can tolerate, the alternatives above are stronger on every measure except, in OKX’s case, top-up currency (USDC and USDG rather than USDT).

Who I would recommend it to

I would recommend DiCard to a reader who is already a DigiFinex customer, who already holds USDT in the exchange’s spot account, who lives in a country not on the exchange’s restricted list, and who needs a USD-denominated Mastercard number for online or in-store spending. For that reader, the card does what it says, the fees are reasonable on USD spending, and the alternative of moving USDT out of the exchange and into a bank or another card is more friction than the 1.3% top-up fee plus the 1.5% FX fee. Premier makes more sense than Lite once you are spending more than a few thousand dollars a month, because the higher limits and the spot-account withdrawal option earn back the higher per-transaction fixed fee. The points programme is a small upside once it starts paying on spending, but I would not pick the card for the points; I would pick it for the workflow.

I would not recommend it to a reader who is choosing a card for the first time, who is not already a DigiFinex user, who lives in the United States, Singapore, Canada or China (per the unofficial list), who needs a physical card, who needs Google Pay, who needs ATM withdrawals, who needs to top up from a network other than the exchange’s own spot account, or who is unwilling to take on a card whose issuer and licence are not stated in the public material. For any of those readers, the same money is better spent on Coinbase Card (if you are in the US), OKX (if you are in the EEA), or on a non-crypto card issued by a bank or e-money institution you can name.

The middle case is the one most readers are actually in. If you are a light crypto spender, the fixed per-transaction fee ($0.25 on Lite, $0.50 on Premier) makes the card a poor tool for many small purchases, and a non-crypto prepaid card with no top-up fee and no FX fee on your home currency will often be cheaper. If you are a heavy crypto spender, the missing information on the issuer side, the missing network list, and the third-party complaint profile of the exchange behind the card start to matter more than the 0.3% you save on your first five top-ups. DiCard sits in an uncomfortable middle: cheap enough to be tempting, opaque enough to be risky, and useful enough to be the right answer only in a narrow set of circumstances.

Frequently asked questions

What is DiCard?

DiCard is a USD-denominated Mastercard tied to DigiFinex, a cryptocurrency exchange. You load it with USDT from your DigiFinex spot account, the card holds a USD balance, and you spend that balance anywhere Mastercard is taken. A virtual card is issued instantly; a physical card is not stated on support pages.

How does DiCard work?

You keep USDT in your DigiFinex spot account, transfer it to the card, and the card spends the resulting USD balance. The card behaves like a prepaid card: it cannot overdraw, and the balance is whatever you have loaded. Top-up fees are 1.3% (0.3% on the first five deposits), and a fixed fee of $0.25 (Lite) or $0.50 (Premier) is added per transaction.

Is DiCard a bank?

No. DiCard is a card product from a cryptocurrency exchange. The card issuer and the licence under which the Mastercard number is issued are not named in the support pages, which is unusual for a payment card and is one of the things to weigh before applying.

Who owns DiCard?

DiCard is operated by DigiFinex, which appears in the App Store as DIGIFINEX PTE. LTD. The wider group structure, the card programme manager, and the licensed issuer behind the Mastercard number are not stated on the public pages.

Is DiCard available in my country?

The DiCard support pages do not publish a country list. Unofficial DigiFinex pages exclude United States, Singapore, Canada and China as restricted areas, and that is the closest thing to a published list. Treat it as unofficial until DiCard states otherwise, and confirm with support before you apply.

How do I apply for DiCard?

You apply from the official DigiFinex card page with a DigiFinex account. A virtual card is issued instantly. The documents, identity checks, age threshold and processing time are not stated in the support articles.

Does DiCard require KYC?

The card application is reached through a DigiFinex account, which is a KYC-checked exchange account. The specific KYC level the card requires, and whether applying triggers a separate tier of checks, is not stated in the support pages, so it is not possible to spell out the document list in advance.

How do I top up DiCard?

You move USDT into your DigiFinex spot account and load the card from there. The minimum is 15 USDT and the maximum is 5,000 USDT per top-up, and the fee is 1.3% (0.3% on the first five deposits). The networks supported for the underlying USDT transfer are not listed in the support pages, so confirm with support before sending from an external wallet, because a transfer on the wrong chain can be lost.

How do I add DiCard to Apple Wallet?

The “How to Add Your DiCard to Apple Pay” support article (updated 19 August 2026) walks through the steps in the DigiFinex app. Google Pay is not stated in the support pages, and Alipay is also mentioned as supported in the announcement material.

Is DiCard safe?

The card uses standard prepaid controls (three consecutive low-amount transactions lock the card, and high-risk transactions can lead to a freeze or permanent deactivation), and the exchange behind it offers two-factor authentication. The risks sit on the issuer and exchange side rather than the card side: the card issuer and its licence are not named, and DigiFinex’s Trustpilot score is 2.1 out of 5 across 121 reviews, with reports of stuck withdrawals and a card that stopped working with funds on it in December 2024.

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